HomeInsuranceQts

Home Insurance in Jeffersonville, Illinois

With a median home value of $56,400, Jeffersonville is 49% lower than the Wayne County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jeffersonville was built around 1974. About 35% of homes were built before 1960, about 2 points below Wayne County's 37%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jeffersonville is 62% single-family homes and 36% mobile or manufactured homes.

In Jeffersonville, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Jeffersonville has an owner-occupancy rate of 72% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.

80% of homes in Jeffersonville are primarily heated with natural gas.

FEMA rates Wayne County's overall risk as Very Low, led by earthquake (Relatively Low). Wayne County had 13 active NFIP flood policies as of September 2026. See the full Wayne County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.

The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).

Key figures

Median home value$56,400
Median year built1974
Owner-occupied share72%
Share of owner-occupied homes with a mortgage28%
Top county hazardEarthquake (Relatively Low)
Active NFIP policies in Wayne County13
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Jeffersonville, IL

Nearby towns

Sources

Data last updated: 2026-09-29